Gavop shows you how to buy homeowners insurance in Salamanca, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $41,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $65,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $109,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $121,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $254,000 | $220,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$152 | $799 |
| Superior Protection Discount | -$95 | $857 |
| Fire & Security Discount | -$67 | $885 |
| Hail Resistant Roof Discount | -$19 | $933 |
| Newly Constructed Home Discount | -$238 | $714 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Cattaraugus County | $700 | $1,211 | $1,911 | $880 | $1,580 | $331 |
| Salamanca, NY | $2,500 | $940 | $3,440 | $683 | $3,183 | $257 |
| South Dayton, NY | $500 | $601 | $1,101 | $437 | $937 | $164 |
| Cherry Creek, NY | $700 | $586 | $1,286 | $426 | $1,126 | $160 |
| Colden, NY | $500 | $742 | $1,242 | $539 | $1,039 | $203 |
| Lake Erie Beach, NY | $700 | $584 | $1,284 | $424 | $1,124 | $160 |
| Brocton, NY | $300 | $590 | $890 | $429 | $729 | $161 |
| Norwich, PA | $2,500 | $520 | $3,020 | $378 | $2,878 | $142 |
| Orchard Park, NY | $500 | $720 | $1,220 | $524 | $1,024 | $197 |
| Sheldon, NY | $2,500 | $626 | $3,126 | $455 | $2,955 | $171 |
| Gainesville, NY | $500 | $586 | $1,086 | $426 | $926 | $160 |
| Birdsall, NY | $1,000 | $594 | $1,594 | $432 | $1,432 | $162 |
| Home Insurance Company Salamanca, NY | Homeowners Insurance Agency Salamanca, NY | Address | Popularity Score | Distance from Salamanca (miles) |
|---|---|---|---|---|
| State Farm | Dan Scaglione | 928 French Rd Bldg A, Cheektowaga, NY, 14227-3632 | 48.5 | |
| Allstate | Edward Bartel | 4184 Seneca St Ste 106, West Seneca, NY, 14224 | 46.0 | |
| Allstate | Brocton Agency | 13 W Main St, Brocton, NY, 14716 | 39.1 | |
| Allstate | Weed Ross Agency | 22 Monroe St, Ellicottville, NY, 14731 | 8.4 | |
| Travelers | The Byrne Insurance Agency Inc | 480 Abbott Road, Buffalo, NY, 14220 | 47.5 | |
| Allstate | Weed Ross Agency | 22 Monroe Po Box 1708, Ellicottville, NY, 14731 | 8.4 | |
| State Farm | Steve Strothman | 192 E Main St Ste 1, Fredonia, NY, 14063-1455 | 35.5 | |
| Allstate | Bryan Ripellino | 3346 Southwestern Blvd, Orchard Park, NY, 14127 | 43.5 | |
| Allstate | The Keller Group Inc | 3625 Seneca St, West Seneca, NY, 14224 | 45.9 | |
| Travelers | Weed Ross Agency | 54 Main St, Salamanca, NY, 14779 | 1.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| New York | $293,000 | $1,164 | $830 | $1,660 | $830 |
| Cattaraugus County, NY | $86,500 | $1,226 | $880 | $1,750 | $870 |
| Salamanca, NY | $65,700 | $952 | $680 | $1,320 | $640 |
| South Dayton, NY | $59,500 | $608 | $420 | $870 | $450 |
| Cherry Creek, NY | $79,900 | $593 | $410 | $850 | $440 |
| Colden, NY | $194,300 | $751 | $510 | $1,060 | $550 |
| Lake Erie Beach, NY | $98,600 | $591 | $430 | $820 | $390 |
| Brocton, NY | $71,500 | $597 | $420 | $850 | $430 |
| Norwich, PA | $74,500 | $526 | $380 | $750 | $370 |
| Orchard Park, NY | $228,100 | $729 | $490 | $1,040 | $550 |
| Sheldon, NY | $144,200 | $634 | $420 | $910 | $490 |
| Gainesville, NY | $78,600 | $593 | $400 | $820 | $420 |
| Birdsall, NY | $67,100 | $601 | $430 | $860 | $430 |